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Journal articles on the topic 'Secure Payments'

Author: Grafiati

Published: 6 September 2023

Last updated: 26 July 2025

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1

Chang, Tao-Ku. "A Secure Operational Model for Mobile Payments." Scientific World Journal 2014 (2014): 1–14. http://dx.doi.org/10.1155/2014/626243.

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Instead of paying by cash, check, or credit cards, customers can now also use their mobile devices to pay for a wide range of services and both digital and physical goods. However, customers’ security concerns are a major barrier to the broad adoption and use of mobile payments. In this paper we present the design of a secure operational model for mobile payments in which access control is based on a service-oriented architecture. A customer uses his/her mobile device to get authorization from a remote server and generate a two-dimensional barcode as the payment certificate. This payment certi

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2

Xu, Ruohan. "Optimized Secure Payment Solution Using QR Code Scanning based on Operation-payment Dual Devices." BCP Business & Management 17 (February 23, 2022): 118–23. http://dx.doi.org/10.54691/bcpbm.v17i.383.

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With the development of the internet and mobile payment technology, the mobile payment transaction volume in China is rising year by year. Likewise, an increasing number of people are using mobile payments for their convenience and stability. In recent years, however, security incidents involving these mobile payments have also occurred more frequently. Some lawbreakers have been known to add illegal information to QR codes so that the mobile phones of unwitting customers are infected with viruses when they scan the codes to make payments. These viruses result in losses of personal property. I

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Ahamad, Shaik Shakeel, V. N. Sastry, and Siba K. Udgata. "A Secure Mobile Wallet Framework with Formal Verification." International Journal of Advanced Pervasive and Ubiquitous Computing 4, no. 2 (2012): 1–15. http://dx.doi.org/10.4018/japuc.2012040101.

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This paper proposes a Secure Mobile Wallet Framework (SMWF) using WPKI (Wireless Public Key Infrastructure) and UICC (Universal Integrated Circuit Card) by defining (a) a procedure of personalizing UICC by the client, (b) a procedure of provisioning and personalization (Mutual Authentication and Key Agreement Protocol) of Mobile Payments Application (which is on UICC) by the Bank and (c) our proposed mobile wallet is will have mobile wallet manager managed by CA (acting as TSM), every mobile application is independent, protected by firewalls and encrypted data is stored in the mobile wallet ap

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Sabino, Anthony Michael, and Mary Jane C. Sabino. "Secured interest in royalty payments kept secure in recent decision." Natural Gas 11, no. 11 (2009): 17–20. http://dx.doi.org/10.1002/gas.3410111105.

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Aditya Y, Chappidi Nikhitha, Dasari Leela Lokesh, Borra Satya Sai Koushik, and Bellapu Sohit Sankar. "AUTOMATED DINING EXPERIENCE WITH DIGITAL ORDERING AND SECURE RFID PAYMENT." Fuzzy Systems and Soft Computing 20, no. 01 (2025): 01–08. https://doi.org/10.36893/fssc.2025.v20.007.

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In the modern restaurant industry, technology plays a pivotal role in enhancing customer experience and streamlining operations. This project presents an automated food ordering system using Arduino integrated with RFID for bill payment, a waiter call alert through a push button, and a digital food selection system. The traditional method of ordering food through waiters and manual bill payments can often be slow and error-prone. The proposed system automates food selection using a keypad or touchscreen interface, where customers can browse the menu and place their orders directly. The bill pa

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Swapnil Baradhwaj Kadiyam. "Adaptive Architecture for Secure Digital Payments." International Journal of Scientific Research in Science, Engineering and Technology 12, no. 1 (2025): 294–307. https://doi.org/10.32628/ijsrset25121157.

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The expansion of digital payment technologies has ushered in transformative benefits for global commerce but has also introduced complex security, usability, and regulatory challenges. This research builds upon existing security frameworks by addressing significant gaps in real-world implementation, inclusive design, quantum readiness, and policy adaptation. Through a multi-dimensional analysis, the study investigates the disconnect between theoretical frameworks and production-scale deployments, especially in diverse market environments with infrastructure constraints. It emphasizes the impor

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Vishwakarma, Pinki Prakash, Amiya Kumar Tripathy, and Srikanth Vemuru. "The Fact-Finding Security Examination in NFC-enabled Mobile Payment System." International Journal of Electrical and Computer Engineering (IJECE) 8, no. 3 (2018): 1774. http://dx.doi.org/10.11591/ijece.v8i3.pp1774-1780.

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Contactless payments devised for NFC technology are gaining popularity. Howbeit, with NFC technology permeating concerns about arising security threats and risks to lessen mobile payments is vital. The security analysis of NFC-enabled mobile payment system is precariously imperative due to its widespread ratification. In mobile payments security is a prevalent concern by virtue of the financial value at stave. This paper assays the security of NFC based mobile payment system. It discusses the security requirements, threats and attacks that could occur in mobile payment system and the counterme

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Gattu, Jahnavi. "Blocktalk Conversational Payments Refined." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04581.

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Abstract—BlockTalk is a conversational AI platform created to simplify blockchain-based payment transactions. BlockTalk encapsulates a conversational interface around an extremely easy to use user wallet management and transaction process using a chatbot. BlockTalk consists of a React.js frontend application with Node.js as the business logic backend, Firebase for the real-time database and authentication, and Neucron API for more securely interacting with the blockchain. BlockTalk seeks to diminish the technical hurdles and complexity of the current blockchain payment systems with users able

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Sule, Aumbur Kwaghter, Nsisong Louis Eyo-Udo, Ekene Cynthia Onukwulu, Mercy Odochi Agho, and Chima Azubuike. "Implementing Blockchain for Secure and Efficient Cross-Border Payment Systems." International Journal of Research and Innovation in Applied Science IX, no. XII (2025): 508–35. https://doi.org/10.51584/ijrias.2024.912047.

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The global financial ecosystem has long been hindered by inefficiencies, high costs, and security concerns in cross-border payment systems. Blockchain technology has emerged as a promising solution to address these challenges, offering enhanced security, transparency, and operational efficiency. This paper explores the potential of blockchain for transforming cross-border payment systems, focusing on its role in improving transaction speed, reducing costs, and ensuring the integrity of data. Blockchain’s decentralized nature eliminates intermediaries, reducing transaction times from days to mi

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Mamčenko, Jelena, Brigita Šustickiene, and Jūratė Romeikienė. "CONTACTLESS PAYMENTS FRAUD DETECTION METHODS AND IS SOCIETY PREPARED TO RESIST: A CASE STUDY." SOCIETY. INTEGRATION. EDUCATION. Proceedings of the International Scientific Conference 2 (July 3, 2023): 467–77. http://dx.doi.org/10.17770/sie2023vol2.7159.

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The ability to use contactless payment technologies, non-cash payments and credit card payments is becoming almost an essential requirement for consumers and merchants in today's economic conditions. Different market sectors are rapidly adapting to these technologies and looking for the most convenient, secure, and fastest possible solutions that combine intelligent data processing, security, and business management functions. Millions of debit and credit card holders care about secure payments, the businesses that receive these payments are secure in terms of security, and the operators that

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Adil. O. Y. Mohamed. "Intelligent Blockchain-Based Secure Framework for Transaction in Mobile Electronic Payment System." International Journal of Interactive Mobile Technologies (iJIM) 17, no. 04 (2023): 37–46. http://dx.doi.org/10.3991/ijim.v17i04.37671.

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The rate of smartphone purchases is rising daily, and mobile payments are now frequently accepted in various areas. It is essential to transfer money completely safe as well as quick. The encrypted distributed ledgers function provides verified real-time transaction confirmation without the necessity for intermediaries like banks and clearinghouses; blockchain provide quick, secure, decentralized, and inexpensive transaction services. Blockchain technology makes money transfer simpler with transparency and financial data security. Through these capabilities, blockchain has attracted interest f

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Man, Zhang. "Research on Secure Mobile Payment System Based on NTRU-MPS." Journal of Engineering System 2, no. 3 (2024): 18–22. https://doi.org/10.62517/jes.202402304.

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This paper aims to explore and implement a mobile payment system based on the NTRU-MPS signature algorithm to enhance the security and efficiency of mobile payments. By designing a salted hash mechanism and applying it to the registration and login process, the robustness of user authentication is enhanced. Additionally, the seamless integration of NTRU-MPS digital certificate technology into the mobile payment system realizes encrypted verification and signature authentication of transaction data, effectively defending against quantum computing threats and traditional security attacks.

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Bachri, Muthia Hanan, and Irwan Adi Ekaputra. "The Impact of Digital Payment on Banking Stability." Eduvest - Journal of Universal Studies 4, no. 9 (2024): 8418–29. http://dx.doi.org/10.59188/eduvest.v4i9.30329.

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Previous studies provides conclusions regarding the relationship between digital payments and banking stability in a particular country. Therefore, this research wants to see how the growth of digital payments impacts banking stability in 110 countries in the world from 2017 – 2022. This study explores the relationship between digital payments and banking stability using a panel data regression model. Digital payment transactions are proxied by the payment penetration ratio (PPR) while banking stability is proxied by the country's Z-score. This research found a negative correlation between dig

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Mushkudiani, Nino. "Development of Electronic Payments in Georgia." Economics and Culture 15, no. 2 (2018): 64–74. http://dx.doi.org/10.2478/jec-2018-0021.

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Abstract Electronic payments are considered to be a fast and secure alternative for traditional payment methods. Today, it is impossible to imagine modern bank operations, commercial transactions and other payments without electronic payments. This article shows that electronic payments are not the only means for reducing costs with respect to other payment methods, such as cash, but can also generate significant benefits for increasing economic development and reducing shadow economy. The paper focuses on the development of electronic payments in Georgia and its impact on the economy of the c

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V. Govindasamy. "Secure Edge-Based IoT Integration in Mobile-Enabled Real-Time Payments." Journal of Electrical Systems 21, no. 1s (2025): 320–27. https://doi.org/10.52783/jes.8813.

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The rapid evolution of mobile-enabled real-time payment systems, coupled with the proliferation of Internet of Things (IoT) devices, necessitates robust security and efficiency measures. Traditional cloud-centric payment architectures face challenges such as high latency, data exposure, and security vulnerabilities. This paper proposes a secure edge-based IoT integration framework to enhance the security, scalability, and real-time processing of mobile payments. By leveraging edge computing, blockchain technology, and AI-driven anomaly detection, the framework reduces latency, optimizes transa

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S R, Prasad, Deepali s, Samarth Jain, Samyakth Kumar, and Sudeep D. Gowda. "BlockPay: A Blockchain-Based Framework for Secure and Scalable Digital Payments." International Journal of Innovative Research in Computer Science and Technology 13, no. 4 (2025): 32–40. https://doi.org/10.55524/ijircst.2025.13.4.3.

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In recent years, blockchain has gained serious traction as a promising tool for fixing long-standing issues in how digital payments work—especially around trust, data security, and transaction delays. This paper shares our experience developing BlockPay, a blockchain-based payment system designed to improve on traditional methods. Many current platforms struggle with things like limited transaction sizes and poor international support. BlockPay addresses these by using a distributed ledger that makes it hard to tamper with records. We also built smart contracts to handle payments automatically

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Glindro, Eloisa, Rodalee Ofiaza, and Ma Klarizza Jose. "Nexus between payments digitalization and cash usage in the Philippines." Philippine Review of Economics 61, no. 1 (2024): 44–70. http://dx.doi.org/10.37907/3erp4202j.

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Innovative contactless payment technologies are transforming retail payments, suggesting a gradual decline in cash use, particularly in advanced economies with an early start on digitalization. In the Philippines, preliminary analysis indicates some substitution from cash to digital payments, albeit not on a large scale yet. While the remarkable inroads in retail payments digitalization and demographics are expected to bring about a behavioral shift in cash usage, the pace and extent of substitution are contingent on policy reforms aimed at widening access to affordable digital payment service

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Svintsov, Oleksandr M., and Bohdan Ya Zvarych. "Regulatory Functions of State Institutions in the Modernization of the Electronic Payment Market in Ukraine." Business Inform 3, no. 566 (2025): 298–304. https://doi.org/10.32983/2222-4459-2025-3-298-304.

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The article explores the directions of implementing regulatory functions of the State in the process of modernizing the electronic payment market in Ukraine. It is noted that the main vectors of modernization include strengthening regulatory control by State institutions, introducing innovative technologies, improving payment infrastructure, stimulating competition, and expanding access to financial instruments for broad segments of the population. It is underlined that one of the key directions of modernizing the electronic payment market in Ukraine is the implementation of innovative technol

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Bhutta, Muhammad Nasir Mumtaz, Surbhi Bhattia, Mohammed Ali Alojail, et al. "Towards Secure IoT-Based Payments by Extension of Payment Card Industry Data Security Standard (PCI DSS)." Wireless Communications and Mobile Computing 2022 (January 24, 2022): 1–10. http://dx.doi.org/10.1155/2022/9942270.

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IoT emergence has given rise to a new digital experience of payment transactions where physical objects like refrigerators, cars, and wearables will make payments. These physical objects will be storing the cardholder credentials and will directly make payments with the vendors over insecure public networks. For such payment transactions, government regulations and standards organizations require to implement PCI DSS for adapting similar set of security measures at the global level. The current version of PCI DSS is not suitable for IoT-based payment systems due to characteristics of IoT such

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Gupta, Saksham, Sanchit Tomar, Rituraj Bansal, Sameer Choudhary, and Pardeep Kaur. "Secure Transaction System Using Face Recognition." Journal of Cyber Security, Privacy Issues and Challenges 1, no. 2 (2022): 19–29. http://dx.doi.org/10.46610/jcspic.2022.v01i02.003.

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The use of online payment is increasing dramatically in today's environment. As a result, this initiative was created to protect payments against internet scams. The project's main goal is to create a secure payment system that uses face recognition and Open CV in Python. It makes use of the confidence level, which is defined as the value generated by the system and used to determine the forecast's accuracy. Several graphic modules were combined with a pattern mirror to create this piece. Before entering a PIN, the system in this project uses face detection and a proxy. Because it embeds eleme

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Kharatmol, Jyoti Mahesh, and Hanumant Popat Shinde. "Delegated Payments in UPI: Opportunities & Challenges." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 1 (2025): 103–5. https://doi.org/10.5281/zenodo.15068336.

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<strong><em>Abstract</em></strong> <em>As economy grows there is need to make advancement in payment technologies. Economic activities can be facilitated easily using payment system. There are many risks involved in making transactions. These are minimized by payment system.</em> <em>The National Payments Corporation of India (NPCI) develops payment systems in India. NPCI has made digital financial services more reachable, promoting financial inclusion and a strong payments ecosystem. Unified Payments Interface (UPI) being one of most significant product of NPCI, Launched in 2016, UPI has grow

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Kharatmol, Jyoti Mahesh, and Hanumant Popat Shinde. "Delegated Payments in UPI: Opportunities & Challenges." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 1 (2025): 103–5. https://doi.org/10.5281/zenodo.15331877.

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<strong><em>Abstract</em></strong> <em>As economy grows there is need to make advancement in payment technologies. Economic activities can be facilitated easily using payment system. There are many risks involved in making transactions. These are minimized by payment system.</em> <em>The National Payments Corporation of India (NPCI) develops payment systems in India. NPCI has made digital financial services more reachable, promoting financial inclusion and a strong payments ecosystem. Unified Payments Interface (UPI) being one of most significant product of NPCI, Launched in 2016, UPI has grow

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Chandrasekhar, Gopisetti. "Credit Card Payments Processing using SAP Digital Payment Add-on for FIAR Process – Case Study." International Journal of Computer Science and Information Technology Research 12, no. 2 (2024): 29–33. https://doi.org/10.5281/zenodo.11402346.

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<strong>Abstract:</strong> Integral to contemporary economies, digital payments have reshaped how individuals and businesses manage financial transactions. As technology continues its relentless progress, the realm of digital payments will undergo further transformations, providing people worldwide with increasingly secure and convenient choices. Today, customers have the choice of closed wallets, semi-closed wallets, and open wallets, but venturing into this business requires both technical expertise and substantial investment. Success in the realm of digital payments is achievable through a

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Kovács, Levente, and Sandor David. "Fraud risk in electronic payment transactions." Journal of Money Laundering Control 19, no. 2 (2016): 148–57. http://dx.doi.org/10.1108/jmlc-09-2015-0039.

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Purpose The purpose of this paper is the timely review of regulations on the security of electronic payments, payment innovations and their vulnerabilities and discussing the recommendations elaborated by the European Forum on the Security of Retail Payments. Design/methodology/approach First, the article presents a serious fraud case which happened in the Hungarian banking system. This case demonstrates all risks associated with the security of payment channels being used. Next, the article examines those international SecuRe Pay Forum recommendations which target the elimination of such frau

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Zitha, Themba, and Darry Penceliah. "Perceptions Regarding Digital Payments in Online Shopping amongst Millennials in KwaZulu-Natal, South Africa." African Journal of Inter/Multidisciplinary Studies 4, no. 1 (2022): 338–49. http://dx.doi.org/10.51415/ajims.v4i1.1047.

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Contemporary business continues to leverage the opportunities of internet connectivity for marketing, sales, and visibility. Digital payment plays an imperative role in online shopping transactions. With the evolution of online shopping, there has been a paradigm shift from traditional payment methods to a faster digital payment method. This paper assesses millennials’ perceptions of digital payments for online shopping. A cross-sectional study was undertaken using a quantitative method. Three hundred and ninety-three millennials completed a self-administered questionnaire. Descriptive and inf

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Lucia Nugraheni Harnaningrum and Kristoforus Nanda Mahardhian. "Comparison of Mobile Transaction Security Using NFC and QR Codes." Jurnal Nasional Teknik Elektro dan Teknologi Informasi 13, no. 4 (2024): 265–71. https://doi.org/10.22146/jnteti.v13i4.12867.

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Mobile device transactions have become commonplace today. Quick-response (QR) codes and near-field communication (NFC) are popular cashless and contactless payment methods. These two payments have their characteristics. NFC payments use secure elements that encrypt credential data to ensure safe transactions. In contrast, QR code payments transmit data in its original form without encryption. Existing data are sent between devices in the form of original data. Given the extensive adoption of these methods, it is imperative to secure transaction data to prevent theft and misuse. It is necessary

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Chang, Tao-Ku, and Fu-Hao Yeh. "Using the Same PayWord Chains Associated with a Single Account from Multiple Mobile Devices." Wireless Communications and Mobile Computing 2020 (November 20, 2020): 1–6. http://dx.doi.org/10.1155/2020/8882655.

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Customer awareness and interest in mobile payments are increasing. However, security and privacy risks remain major barriers to their adoption, with customers worrying about their personal data being hacked or intercepted. In this paper, we present the design of a secure scheme for mobile payments that can guarantee mutual nonrepudiation between the customer, merchant, and banker. A customer can use the proposed scheme to make a payment with the same PayWord chains of a single account from multiple devices.

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Eyo-Udo, Nsisong Louis, Mercy Odochi Agho, Ekene Cynthia Onukwulu, Aumbur Kwaghter Sule, and Chima Azubuike. "Advances in Blockchain Solutions for Secure and Efficient Cross-Border Payment Systems." International Journal of Research and Innovation in Applied Science IX, no. XII (2025): 536–63. https://doi.org/10.51584/ijrias.2024.912048.

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The increasing demand for secure, efficient, and transparent cross-border payment systems has propelled the adoption of blockchain technology as a transformative solution. Blockchain, with its decentralized and immutable ledger capabilities, offers unparalleled advantages in streamlining international transactions by reducing intermediaries, lowering costs, and enhancing transaction speed. This paper explores recent advancements in blockchain-based cross-border payment systems, focusing on their potential to address the inefficiencies of traditional payment networks. Key developments include t

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Zeta Chandra, Dheandra, Dedi Purwana, and Maulana \Amirul Adha. "ANALISIS STRATEGI QRIS OLEH KPWBI DKI JAKARTA DALAM UPAYA PENGEMBANGAN PEMBAYARAN NONTUNAI PADA UMKM JAKARTA." TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN 3, no. 4 (2023): 664–73. http://dx.doi.org/10.55047/transekonomika.v3i4.464.

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Cashless transactions offer the advantages of simpler, faster, and safer transactions compared to non-cash transactions, and can increase economic activity in a country. To support digital payments, BI released QRIS as a national QR code standard. The utilization of QRIS as a payment channel has increased every year. This research focuses on the strategy of Bank Indonesia Jakarta Representative Office in developing non-cash payments through QRIS for MSMEs in Jakarta, the impact of non-cash payment development strategies through QRIS, and constraints on non-cash payment development strategies.

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Karthika, Dr M. "A Study on Customer Satisfaction towards Google Pay Service at Thuckalay." International Journal of Emerging Knowledge Studies 03, no. 12 (2024): 1060–64. https://doi.org/10.70333/ijeks-03-12-019.

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Google pay is a digital payment platform developed by Google. It allows user to make online and in – person payments, as well as peer-to peer transfers. It’s a convenient and secure way to pay for goods and services using your smart phone or other compatible devices. Google pay was the company first mobile payment system developed for Android device. It was introduced an 19th September 2011. In 2015, it was renamed android pay. In 2018 Google announced that Google wallet would join the other payment offerings under the Google pay branding. Google wallet was then renamed Google pay sends. Googl

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Chengdong Li. "Integrating SEM and Artificial Neural Networks in Bridging Adoption Intention for Central Bank Digital Currency Payments." Journal of Information Systems Engineering and Management 10, no. 3 (2025): 1376–402. https://doi.org/10.52783/jisem.v10i3.7809.

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China has emerged as a global leader in mobile payment systems and pioneered the establishment of central bank digital currency payments by employing more secure technologies to supplant third-party mobile payment methods. At this juncture, it is imperative to evaluate the factors prompting the acceptance of central bank digital currency payment among Chinese users. This study aims to determine the positive roles of perceived security, user interface attractiveness, monetary value, alternative attractiveness and national identity in affecting user adoption of central bank digital currency paym

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Gebert, Krista M., David E. Calkin, and Ervin G. Schuster. "The Secure Rural Schools Act, Federal Land Payments, and Property Tax Equivalency." Western Journal of Applied Forestry 20, no. 1 (2005): 50–57. http://dx.doi.org/10.1093/wjaf/20.1.50.

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Abstract Federal land payments are a very important source of revenue for many county governments in the west. The concern of many is the extent to which these payments are equivalent to property tax revenues those lands would likely have generated if taxed as similar lands. Sustained decreases in federal revenue-sharing payments, along with passage of the Secure Rural Schools Act of 2000, have rekindled interest in this area. Building on a 1997 analysis of property tax equivalency, we simulated the effect of this new legislation on property tax equivalency for sampled counties aggregated to t

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Chen, Xiao Mei, and Shi Hong Zou. "A Secure Mobile Payments Protocol Based on ECC." Applied Mechanics and Materials 519-520 (February 2014): 151–54. http://dx.doi.org/10.4028/www.scientific.net/amm.519-520.151.

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Owing to the limitations of mobile terminals and network bandwidth, the current Secure Electronic Transaction (SET) protocol can not be introduced into mobile payment directly. Present mobile payment system often uses symmetric encryption algorithm that may bring in some security risks. A new secure mobile payment protocol based on ECC was presented ,which ensures information flows from merchant to customer and enhances the security of customer’s information. Theoretical analysis shows that, ECC can not only meet the requirements of short key generation time, but also ensure that at the same t

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Kanniainen, Liisa. "Alternatives for banks to offer secure mobile payments." International Journal of Bank Marketing 28, no. 5 (2010): 433–44. http://dx.doi.org/10.1108/02652321011064926.

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Avinash Ramesh, Dr Chintamani. "Digitalisation of Payment Systems in India." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04617.

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Abstract: Digitalisation of payment systems in India has fundamentally transformed the financial landscape, making transactions faster, more secure, and highly convenient. This shift, fuelled by advancements in technology and proactive government policies, has led to widespread adoption of digital platforms such as Unified Payments Interface (UPI), mobile wallets, and QR codes. These innovations have bridged the gap between urban and rural areas, ensuring that people from all socio-economic backgrounds can access seamless payment solutions. The Unified Payments Interface, launched by the Natio

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Parmar, Prakashchandra, and Ketaki Sheth. "A STUDY ON DIGITAL PAYMENT SYSTEM USAGE BEHAVIOUR OF CUSTOMERS OF GUJARAT STATE." International Journal of Management, Public Policy and Research 2, no. 1 (2023): 129–35. http://dx.doi.org/10.55829/ijmpr.v2i1.121.

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The government of India is promoting the digital payments with the objective of to make seamless digital payments available to all Indian people in a way that is accessible, easy, affordable, rapid, and secure. Therefor this study is an attempt to know the digital payment usage behavior of customers of Gujarat state. The data is collected from primary sources through digital questionnaire and analyzed using IBM SPSS statistical software. This study concludes that majority of customers use digital payment system for daily and routine small amount transactions therefore it is suggested to the di

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Rais Rabtsani, Muhamad, Agung Triayudi, and Gatot Soepriyono. "Combination of AES (Advanced Encryption Standard) and SHA256 Algorithms for Data Security in Bill Payment Applications." SAGA: Journal of Technology and Information System 2, no. 1 (2024): 175–89. http://dx.doi.org/10.58905/saga.v2i1.250.

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In the era of information technology development, digital payments and e-payments are becoming a dominant trend, supported by the crucial role of payment gateways such as Midtrans. Midtrans uses APIs to facilitate various online transactions, including debit cards. In this research, two cryptographic algorithms will be combined, namely Advance Encryption Standard (AES) with 256 bits and Secure Hash Algorithm (SHA) with 256 bits. The importance of data security in e-payments is recognized, with the application of cryptographic algorithms to protect sensitive transaction information. Yayasan Ant

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Ahamad, Shaik Shakeel, V. N. Sastry, and Siba K. Udgata. "A Secure Mobile Payment Framework in MANET Environment." International Journal of E-Business Research 9, no. 1 (2013): 54–84. http://dx.doi.org/10.4018/jebr.2013010104.

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In this paper the authors propose a Secure Mobile Payment Framework in Multi hop Cellular Network environment (which is an integration of cellular networks and mobile ad hoc networks) using Mobile Agent technology and Digital Signature with Message Recovery (DSMR) mechanism based on ECDSA mechanism. Secure communication in Multi hop Cellular Networks is a nontrivial task because of lack of infrastructure, no prior trust relationships among nodes due to the absence of a centralized authority. Mobile Agent technology and Digital Signature with Message Recovery based on ECDSA mechanism provides s

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Shatrughna Upadhyay. "Next-Generation Payment Protocols: Architecting Secure, Scalable, and Real-Time Transaction Systems." International Journal of Scientific Research in Computer Science, Engineering and Information Technology 11, no. 1 (2025): 2322–32. https://doi.org/10.32628/cseit251112275.

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The evolution of digital payment systems represents a critical transformation in global financial infrastructure, driven by increasing demands for faster, more secure, and scalable transaction processing. This comprehensive article examines the architecture, implementation, and future directions of next-generation payment protocols, focusing on three fundamental pillars: ISO 20022 messaging standards, Layer 2 scaling solutions, and real-time settlement networks. The article analyzes how these components work in concert to address current limitations in traditional payment systems while enablin

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P., R. Gowdham Sankar, and Mahalakshmi K. "MICRO PAYMENTS IN OFF-LINE SECURE CREDITS USING RODO RESILIENT DEVICE." International Journal of Advanced Trends in Engineering and Technology 2, no. 1 (2017): 34–38. https://doi.org/10.5281/zenodo.495579.

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Credit and debit card data theft is one of the earliest forms of cybercrime. Still, it is one of the most common nowadays. Attackers often aim at stealing such customer data by targeting the Point of Sale (for short, PoS) system, i.e. the point at which a retailer first acquires customer data. Modern PoS systems are powerful computers equipped with a card reader and running specialized software. Increasingly often, user devices are leveraged as input to the PoS. In these scenarios, malware that can steal card data as soon as they are read by the device has flourished. As such, in cases where c

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Roy, Avijit, and Sejuti Sarker Tinny. "Cybersecurity and Blockchain for Secure Financial Transactions: Evaluating, Implementing, and Mitigating Risks of Digital Payments." International Journal of Applied and Natural Sciences 1, no. 2 (2024): 38–48. http://dx.doi.org/10.61424/ijans.v1i2.95.

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In an era of increasing digital financial transactions, ensuring security is paramount in maintaining trust and integrity within the financial ecosystem. This study delves into the role of cybersecurity and blockchain technologies in enhancing the security of digital payments. Utilizing secondary data from a range of academic journals, industry reports, and case studies, the research evaluates the effectiveness of these technologies in mitigating cyber risks associated with financial transactions. Key findings highlight the robust nature of blockchain in ensuring transparency, immutability, an

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Brindha, S. Former Assistant Professor of Business Administration, and R. D. Assistant Professor Department of Computer Science Sivakumar. "MOBILE PAYMENT SECURITY IN M-COMMERCE: CHALLENGES AND SOLUTIONS." Indian Journal of Research and Development Systems in Technologization (IJRDST) 1, no. 1 (2024): 1–13. https://doi.org/10.5281/zenodo.10839580.

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<em>The fact that m-commerce has become a common thing among the consumers can be attributed to the high rate of mobile phone devices ownership. Along with the blossom of m-commerce, the guarantee that user data when performing mobile payment is secure has become more significant. This paper analyzes mobile payment insecurity and M-commerce, and prospects effective measures for overcoming the issues. The fundamental challenges regarding authentication techniques, data encryption, secure transmission protocols and user privacy are explored in the text through the lens of various techniques and

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CHHABRA, TANVEER SINGH. "A Basic Study of UPI App Users and Their Satisfaction." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04203.

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Abstract: Unified Payments Interface (UPI) has revolutionized digital transactions in India by enabling fast, secure, and interoperable payments. This study aims to explore user demographics, usage patterns, and satisfaction levels associated with UPI applications. A survey-based methodology was adopted to gather primary data from 150 respondents. Results indicate high satisfaction levels driven by ease of use, transaction speed, and 24/7 availability. However, concerns remain regarding security and occasional transaction failures. The study concludes with recommendations for improving user ex

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Padmakar Mahajan, Digambar, and Dr B. H. Barhate. "ARTIFICIAL BANKING PAYMENT SECURITY SECURE ATM CARD PAYMENT SYSTEM." International Journal of Engineering Applied Sciences and Technology 7, no. 11 (2023): 21–22. http://dx.doi.org/10.33564/ijeast.2023.v07i11.003.

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-Although new methods are being used in the banking sector today, scams are happening on a large scale these days, the main one being OTP share. OTP is used when making money with ATM card. This OTP banking sector sends to the card holder's mobile number and payments are made using it. With all the options available, such scams require a different approach to the banking sector or an important method, namely, when the bank sends OTP when making payments, a system such as face detection or face identification should be created, in which the bank sends OTP. Face detection or face identification

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J. Pritha, Ebenezer, and Packiathai J. Leelavathy. "A study on awareness and adoption of unified interface payments in city union bank." B-Digest (Journal of Commerce & Management) 16, no. 1 (2024): 15. http://dx.doi.org/10.26634/bdigest.16.1.20479.

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UPI stands for Unified Interface Payments, which is used as a payment gateway to send and receive funds from anywhere, anytime, to other verified UPI accounts or to bank accounts using the unique VPA allocated to the UPI account of City Union Bank. City Union Bank's UPI is known as BHIM CUB e-wallet UPI. VPA is the Virtual Payments Address allotted by providing a registered mobile number or the account number of a valid savings or current account, along with the IFSC code. UPI was initiated by the National Payments Corporation of India (NPCI) and is regulated by the Reserve Bank of India (RBI)

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Hassan, Md Arif, Zarina Shukur, Mohammad Kamrul Hasan, and Ahmed Salih Al-Khaleefa. "A Review on Electronic Payments Security." Symmetry 12, no. 8 (2020): 1344. http://dx.doi.org/10.3390/sym12081344.

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Modern technology is turning into an essential element in the financial trade. We focus the emphasis of this review on the research on the E-wallet and online payment, which is an element of an electric payment system, to get the pattern of using this service. This research presents a review of 131 research articles published on electronic payment between 2010 and 2020 that uses a qualitative method of answering the research questions (RQ): RQ1: “What are the major security issues regarding using electronic payments”? and RQ2: “What security properties need to comply for secure electronic paym

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Mandal, Dr Tirthankar. "Adoption of UPI and Implementation of UPI-ATM in India: A Logit Analysis." Indian Journal of Economics and Finance 3, no. 1 (2024): 52–59. http://dx.doi.org/10.54105/ijef.e7990.03010523.

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Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI). It was introduced to facilitate easy, quick, and secure online payments between banks. The Government of India is going to introduce UPI-ATM services after successful progress of UPI transaction. While challenges exist, such as limited digital literacy and connectivity issues, several factors have contributed to the adoption of UPI transactions. The present work finds the gap between rural and urban, male and female and technological knowledge and awareness in performi

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Dr., Tirthankar Mandal. "Adoption of UPI and Implementation of UPI-ATM in India: A Logit Analysis." Indian Journal of Economics and Finance (IJEF) 3, no. 1 (2024): 52–59. https://doi.org/10.54105/ijef.E7990.03010523.

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<strong>Abstract:</strong> Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI). It was introduced to facilitate easy, quick, and secure online payments between banks. The Government of India is going to introduce UPI-ATM services after successful progress of UPI transaction. While challenges exist, such as limited digital literacy and connectivity issues, several factors have contributed to the adoption of UPI transactions. The present work finds the gap between rural and urban, male and female and technological knowledg

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Pooja, Garg, and Rakesh Garg Dr. "THE FUTURE OF PAYMENTS: DIGITAL WALLETS AND CRYPTOCURRENCIES." International Journal of Advance and Innovative Research Volume 11, Issue 1: January - March 2024 (2024): 44–51. https://doi.org/10.5281/zenodo.15283911.

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<strong>Abstract</strong> <em>The landscape of payments is undergoing a rapid transformation, driven by the advent of digital wallets and cryptocurrencies. Digital wallets, such as PayPal, Apple Pay, and Google Pay, offer consumers a more convenient and secure way to conduct transactions using their smartphones and digital devices. Similarly, cryptocurrencies, like Bitcoin, Ethereum, and stablecoins, are emerging as decentralized alternatives to traditional forms of currency, leveraging blockchain technology to enhance security and transparency. Together, these technologies represent the futur

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Chatterjee, Pushpalika. "Internet of Things (IoT) and Future of Digital Payments: Enabling Smart, Automated Transactions." Indian Journal of Computer Science and Engineering 16, no. 3 (2025): 81–88. https://doi.org/10.21817/indjcse/2025/v16i1/251603004.

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The goal of the study is to examine how the Internet of Things (IoT) will revolutionize digital payments in the future. This is done by addressing new trends and issues in IoT-enabled payment systems and concentrating on automation, efficiency, security, and financial inclusion. A thorough literature review was carried out in order to achieve the research objective. The data was obtained from several articles and papers from different databases, such as the ScienceDirect database and Google Scholar. The inclusion and exclusion criteria were then used to choose the references. According to the

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